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Instrumentos financieros claves para la inclusión financiera en América Latina

Author

Listed:
  • Lisana Belen Martinez
  • María Belén Guercio
  • Sofía Orazi
  • Hernán Vigier

Abstract

El objetivo del presente trabajo es analizar la inclusión financiera en siete países de América Latina. En específico, se pretende detectar los instrumentos financieros más utilizados y los principales determinantes que afectan su uso. Para ello, se examinan los microdatos de la base Global Findex del ano 2017 y se aplican modelos econométricos multivariantes. Los resultados confirman que el instrumento más usado por los individuos son las cuentas financieras en instituciones formales, especialmente en Brasil y Chile, seguido por el uso de las tarjetas de crédito en Uruguay y Venezuela. Entre las características socioeconómicas de los individuos, se encuentra que aquellas personas de género masculino, de mayor edad, con educación terciaria y mayores niveles de ingresos son quienes muestran mayores probabilidades de estar incluidos financieramente.

Suggested Citation

  • Lisana Belen Martinez & María Belén Guercio & Sofía Orazi & Hernán Vigier, 2022. "Instrumentos financieros claves para la inclusión financiera en América Latina," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 14(1), pages 17-47, January.
    • Handle: RePEc:col:000443:020543
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    References listed on IDEAS

    as
    1. Cihak, Martin & Demirguc-Kunt, Asli & Feyen, Erik & Levine, Ross, 2012. "Benchmarking financial systems around the world," Policy Research Working Paper Series 6175, The World Bank.
    2. Guillermo Boitano & Deybi Franco Abanto, 2020. "Challenges of financial inclusion policies in Peru," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 12(1), pages 89-117, June.
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    More about this item

    Keywords

    América Latina; inclusión financiera; instrumentos financieros; análisis econométrico; condiciones económicas; recursos financieros; dinero.;
    All these keywords.

    JEL classification:

    • A1 - General Economics and Teaching - - General Economics
    • D0 - Microeconomics - - General
    • M0 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - General

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